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Upturn AI SWOT - About
Old National Bancorp (ONB)
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Upturn Advisory Summary
07/10/2025: ONB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $25.05
1 Year Target Price $25.05
| 5 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.85% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.68B USD | Price to earnings Ratio 13.65 | 1Y Target Price 25.05 |
Price to earnings Ratio 13.65 | 1Y Target Price 25.05 | ||
Volume (30-day avg) 11 | Beta 0.85 | 52 Weeks Range 16.71 - 24.17 | Updated Date 07/10/2025 |
52 Weeks Range 16.71 - 24.17 | Updated Date 07/10/2025 | ||
Dividends yield (FY) 2.63% | Basic EPS (TTM) 1.72 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.38% | Operating Margin (TTM) 44.36% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 9.29% |
Valuation
Trailing PE 13.65 | Forward PE 11 | Enterprise Value 11519406080 | Price to Sales(TTM) 4.83 |
Enterprise Value 11519406080 | Price to Sales(TTM) 4.83 | ||
Enterprise Value to Revenue 7.23 | Enterprise Value to EBITDA - | Shares Outstanding 369929984 | Shares Floating 316925840 |
Shares Outstanding 369929984 | Shares Floating 316925840 | ||
Percent Insiders 12.35 | Percent Institutions 87.28 |
Upturn AI SWOT
Old National Bancorp
Company Overview
History and Background
Old National Bancorp was founded in 1834 in Evansville, Indiana, as Evansville National Bank. It has grown through numerous acquisitions to become one of the largest bank holding companies in the Midwest.
Core Business Areas
- Commercial Banking: Offers a range of financial services to businesses, including lending, treasury management, and capital markets solutions.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, trust services, and financial planning to individuals and institutions.
- Insurance: Provides insurance products, including property and casualty insurance.
Leadership and Structure
The leadership team includes the CEO, CFO, and other senior executives. The organizational structure is typical of a regional bank holding company, with various lines of business reporting to the executive team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data varies by region. Competitors include other regional and national banks like Fifth Third Bancorp, Huntington Bancshares, and US Bancorp. It is hard to determine a specific market share number as they operate in several markets across the midwest.
- Mortgages: Residential mortgage loans. Market share data varies by region. Competitors include Quicken Loans, Wells Fargo, and other national and regional mortgage lenders. It is hard to determine a specific market share number as they operate in several markets across the midwest.
- Wealth Management Services: Investment management and financial planning. Competitors include large brokerage firms and wealth management companies like Fidelity, Charles Schwab, and Northern Trust. It is hard to determine a specific market share number as they operate in several markets across the midwest.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
Old National Bancorp is positioned as a strong regional bank with a focus on community relationships and customer service. It is expanding its digital banking capabilities to compete with fintech companies.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is estimated to be in the hundreds of billions of dollars. ONB is positioned to capture a portion of this TAM through its community focus and expanding digital offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Established customer relationships
- Diversified business lines
- Sound financial performance
- Experienced management team
Weaknesses
- Limited national presence
- Susceptibility to regional economic conditions
- Dependence on traditional banking services
- Higher operating costs compared to larger national banks
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- FITB
- HBAN
- USB
Competitive Landscape
Old National Bancorp competes with a mix of regional and national banks. Its strengths include its community focus and strong customer relationships. Its weaknesses include its limited national presence and dependence on traditional banking services.
Major Acquisitions
First Midwest Bancorp
- Year: 2022
- Acquisition Price (USD millions): 2500
- Strategic Rationale: Expanded Old National Bancorp's presence in the Midwest and added significant scale.
Growth Trajectory and Initiatives
Historical Growth: Old National Bancorp has grown steadily through acquisitions and organic growth over the past decade.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings over the next few years, driven by expansion and strategic initiatives.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion into new markets, and strategic acquisitions.
Summary
Old National Bancorp is a regional bank with a strong presence in the Midwest. It has grown through acquisitions and organic growth. The bank faces challenges from rising interest rates and increased competition from fintech companies, but it is well-positioned to capitalize on opportunities for growth through digital banking and strategic initiatives. The bank's solid financial performance and experienced management team suggest it can navigate these challenges effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market share estimates are approximate and may vary depending on the source and methodology.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old National Bancorp
Exchange NASDAQ | Headquaters Evansville, IN, United States | ||
IPO Launch date 1990-03-26 | CEO & Chairman Mr. James C. Ryan III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 4028 | Website https://www.oldnational.com |
Full time employees 4028 | Website https://www.oldnational.com | ||
Old National Bancorp operates as the bank holding company for Old National Bank that provides consumer and commercial banking services in the United States. It accepts deposit accounts, such as noninterest-bearing demand, interest-bearing checking and negotiable order of withdrawal, savings and money market, and time deposits. The company also offers loans, including home equity lines of credit, residential real estate loans, and consumer loans, as well as loans to commercial clients comprising commercial loans, commercial real estate loans, agricultural loans, letters of credit, and lease financing. In addition, it provides debit and automated teller machine cards, telephone access and online banking, and other electronic and mobile banking services. Further, the company offers private banking, wealth management, trust, investment advisory, brokerage, and foreign currency services; treasury management, merchant, and capital markets services for businesses; and community development lending and equity investment solutions. Old National Bancorp was founded in 1834 and is headquartered in Evansville, Indiana.
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